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ESAF Small Finance Bank share price & results

ESAF Small Finance Bank Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Kerala-origin small finance bank serving unbanked/underbanked households across 24 states via 788 outlets.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue1,098 ₹ crore+32.6% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit80.0 ₹ crore—Quarterly, as filedQuarter to Jun 2026Profit after tax as filed. The year-earlier figure was zero or a loss, so no percentage is shown.
Return on equity-0.27 %+14.6 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)3.93 %−9.3 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

3 of 5 judged targets kept · 11 open · verdicts reflect calls analysed to Q1 FY27.

ESAF Small Finance Bank Limited management guidance track record on Inve: 16 targets tracked across analysed earnings calls (3 achieved, 2 missed, 11 open).

TargetOriginal wordingSaidLatest callVerdict
Net Interest Margin (NIM)Comfortable operating with a higher secured loan book at a net interest margin of somewhere around 8%.
Call transcript, Q4 FY25 · 19 May 2025		Q4 FY25Q1 FY27:NIM at 7.9%. Management revised guidance upwards to 'above 7.5%' from '7% +/- 0.5%'.
Call transcript, Q1 FY27 · 3 Aug 2026		Revised Up
Return on Assets (ROA)Positive ROA will be achieved by second half of FY '26 (Q3 and Q4)
Call transcript, Q4 FY25 · 19 May 2025		Q4 FY25Q4 FY26:PAT improved to 24 crores
Call transcript, Q4 FY26 · 4 May 2026		Achieved
Unsecured Business ShareKeep the mix at around 35% unsecured and 65% secured by the current year end.
Call transcript, Q2 FY26 · 12 Nov 2025		Q2 FY26Q4 FY26:Secured mix is 61%, implying unsecured is 39%. Missed the 35% target for FY26 end.
Call transcript, Q4 FY26 · 4 May 2026		Missed

Source: Inve Guidance Tracker for ESAF Small Finance Bank Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

2 of ESAF Small Finance Bank Limited's 16 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 13 more targets are in the full ledger.

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Price

₹39.08 +4.38% · +₹1.64

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance +30.3% 1Y

₹20.0₹30.0₹40.0Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 12 Nov 2025Q3 FY26 — 2 Feb 2026Q4 FY26 — 4 May 2026Q1 FY27 — 3 Aug 2026

1Y: ₹30 on 24 Oct 2025 → ₹39.08. High ₹44.71 (28 Aug 2026), low ₹19.86 (30 Mar 2026).

Previous close
₹37.44
Market cap
₹1.9k Cr
52-week range
₹19.86 – ₹44.71
One year
+32.38%
Return on equity (TTM to Jun 2026)
-0.27%

Overview

Symbol
NSE:ESAFSFB
Exchange
NSE
Currency
INR

What ESAF Small Finance Bank Limited does

Based on the company's own presentations, annual report and earnings calls.

ESAF Small Finance Bank is a scheduled commercial bank that began banking operations in March 2017, having evolved out of an earlier ESAF microfinance institution focused on financial inclusion. It serves customers mainly in rural and semi-urban areas across 24 states and 2 union territories through a network of banking outlets, ATMs, customer service centres, banking agents and business correspondents. The bank earns by extending secured and unsecured loans under its MARG (MSME, Agriculture, Retail, Gold) portfolio alongside microfinance and micro loans, funded largely through retail deposits (CASA and term deposits).

Segments

  • MARG (MSME, Agriculture, Retail & Gold)
  • Micro Loans
  • Other Loans
Banking Outlets
788
Total Customer Touch Points
8,596
Geographic Presence
24 states and 2 union territories
Total Customers
99.9 lakh (~9.99 million)
Employees
11,098
ATMs
720
Founded 2017Employees 11,098 (December 31, 2025) Company website

How the price took the results

close before → close after

Q1 FY27
−2.7%
3 Aug
Q4 FY26
+0.6%
4 May
Q3 FY26
−2.8%
2 Feb
Q2 FY26
−2.7%
12 Nov

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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